BOB Eterna Credit Card Review
The BoB Eterna Credit card is one of the best Lifestyle cum travel credit card that offers 15 Reward points on every ₹100 spent on shopping, travel, dining, etc. along with it, Free movie ticket (Max ₹250/ Month), Welcome bonus, accelerated reward piints, a 1 Year Fitpass Pro subscription, Airport lounge access make it so attractive card, but is it really good to apply for Bank of baroda Eterna card?
In this review, we will discuss every detail about this card, its eligibility, reward structures, limitations, pros and cons and my verdict at the end on whether you should apply or not, so read it till the end.
BOB Eterna Credit Card Features
| Feature | Details |
|---|---|
| Joining Fee | ₹0 (Lifetime Free) |
| Annual Fee | ₹0 (Lifetime Free) |
| Fee Waiver | Annual Fee Waived off on ₹2.5 Lakh / Year spend |
| Base Reward Rate | 3.75% |
| Best Reward Categories | online_shopping, travel_flights, travel_hotels, international_spends, movies |
| Forex Markup | 2% |
| Lounge Access | Unlimited Domestic Lounge on spend of ₹40,000 in last Quarter. |
BOB Eterna Credit Card Eligibility Criteria
| Criteria | Details |
|---|---|
| Minimum Income | ₹100,000 / month |
| Employment Type | Salaried & Self Employed |
| Age Requirement | 21-65 Years |
If your Annual income is ₹12 Lakh, Age between 21 and 65, with good credit score, then you can apply for this BoB Eterna Credit card. You will get easy approval for this card if you meet all the eligibility requirements.
BOB Eterna Credit Card Rewards & Benefits
| Reward Type | Details |
|---|---|
| Welcome Bonus | 10,000 Reward on ₹50K spend in 60 Days. |
| Bonus Categories | Shopping, Travel |
| Reward Structure |
|
| Reward Exclusions | No reward points on Fuel, wallet loads, rent, education, insurance, Govt. transactions, etc. |
| Reward Expiry | 3 Years |
Now, understand the reward point structure of the BoB Eterna Card simply –
- 15 Reward Points / ₹100 spent (3.75%) on online shopping, travel, dining, etc.
- 3 Reward Points / ₹100 spent (0.75%) on all other spends except the exclusion list mentioned above.
4 Reward points = ₹1 is the conversion of reward points, which you can use as cashback or spend on the BoB platform for further use.
In this way, you’ll get 3.75% eqaul cashback on eligible shopping and spending, which is good with other benefits included.
Apart from regular reward points, there are some additional benefits in this card:-
- 10,000 Reward points (₹2,500) on ₹50,000 spent within 60 days of card issuance.
- 20,000 Reward points (₹5,000) on ₹5 Lakh annual spend.
- ₹15,000 worth of a Fitpass Pro membership for 1 Year.
- Buy 1 Get 1 Free (BOGO) Movie ticket (Max ₹250/ Month)
How to Apply for BOB Eterna Credit Card
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Check Eligibility
If your monthly income is ₹100,000 or more , your age falls within 21-65 Years , and you are a Salaried or Self-Employed applicant , and you meet other basic requirements, you can apply for the BOB Eterna Credit Card by following the steps below.
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Click Apply Now
Click the apply button below to visit the official application page. The process is secure, fully online, and can be completed in just a few minutes.
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Fill Application Form
Enter your personal, employment, and income details accurately as per your official documents.
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Submit Documents
Upload PAN, Aadhaar, address proof, and income proof if requested during the application.
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Approval & Delivery
Once approved, your credit card will be dispatched and delivered to your registered address.
Pros & Cons
Pros
- Lifetime free for limited time.
- 3.75% worth cashback on shopping, travel, dining, etc.
- 2% Forex fee, which is lower than many cards.
- Unlimited Domestic Lounge access after certain spend.
- Welcome benefits are good.
Cons
- Annual income eligibility is 12 Lakh, which is higher.
- limit on reward points.
- many options with better offers.
Our Verdict
BoB Eterna is very good for mid-tier spenders, offering 3.75% cashback on shopping, travel, dining, etc., along with other benefits like a welcome bonus, accelerated reward points, low forex markup fee, making it a better option for those who spend largely on these categories.
Although there are many other card options for cashback and travel in this category, BoB Eterna is a mix of all those and makes it an all-in-one card for shopping, travel, and dining, with benefits across categories.
